Building Good Credit Coalinga CA

Four simple strategies that can help you build a credit history.

Union Bank of California - Coalinga Branch
(888) 818-6060
190 West Durian Street
Coalinga, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $17.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Union Bank of California for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Bank of America - Manhattan Village Branch
(800) 432-1000
3016 N Sepulveda Boulevard
Manhattan Beach, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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U.S. Bank - Sacramento Main Branch
(800) 872-2657
621 Capitol Mall, Suite 110
Sacramento, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Chase - 1012-1 Riley Branch
(877) 682-4273
1012-1 Riley Street
Folsom, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - National And Sepulveda Branch
(866) 245-3452
3000 S Sepulveda Blve
Los Angeles, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Union Bank
(559) 935-1661
190 West Durian Street
Coalinga, CA
 
Chase - Lakewood Branch
(877) 682-4273
4909 Lakewood Boulevard
Lakewood, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - Torrance Branch
(866) 245-3452
1403 Sartori Avenue
Torrance, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Bank of the West - Patterson Branch
(800) 488-2265
5 Plaza
Patterson, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - Newbury Park Branch
(866) 245-3452
925 Broadbeck Drive
Newbury Park, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Building Good Credit

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Why is life so difficult for young adults? You can’t get a job without experience, and you can’t get experience without a job. You can’t borrow without a credit history and you can’t establish a credit history without borrowing. Considering the millions of young adults who go through this same scenario every year, why do we not have a more systematic way to fix this issue?
 
While I can’t fix the economy I can offer a few suggestions for establishing some credit history. But be warned: You need to decide why you are establishing credit. Buying a home is a worthy cause, but establishing a credit history just to borrow money and go deeper into debt, is not

1. Borrow your own money. The only good reason to borrow your own money is to establish good credit, so don’t worry, this does make sense. This approach works if you have a savings account or otherwise have access to money (usually you will need between $1,000 and $5,000, depending on your bank). You can get a secured loan through most credit unions where they lend you an amount equal to whatever you have in your account. You can’t get to the money in your account since you are using it as collateral. Then you pay it back monthly. You will lose money in interest this way, but consider it a fee to establish some credit history.

2. Pay back your student loans on time. If you have student loans (the kind that are in your name) then once you start your repayment period, you are establishing a credit history. Of course missing or late payments will result in a poor credit history, but on-time payments will establish you as a reliable borrower. Choose electronic payments to make sure you don’t forget to pay....


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